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1037 Lake Shore Drive, White Lake, NY, 12786

4beds
2baths
1,184sqft
$449,000
$379price/sqft
$3,524/moest. monthly cost
$140,960/yrincome needed

About This Home

Welcome to 1037 Lakeshore Drive where lake mornings linger a little longer and every season has its own kind of magic. Just steps from the shoreline of White Lake, this thoughtfully renovated four-bedroom, two-bath bungalow offers a refined take on classic upstate lake life. Light pours into the open-concept living and dining space, creating an easy flow for gathering - whether it’s summer dinners after a day on the water or cozy winter weekends tucked inside next to the fireplace. The kitchen and baths have been fully updated with a clean and modern sensibility. A screened-in porch invites slow mornings with coffee and unhurried evenings of al fresco dining; all wrapped in the chirping of birds and quiet hum of nature. A spacious deck sets the stage for grilling, relaxing and taking in the lake air. An 8-foot shared easement provides deeded access to White Lake, a motor-boat friendly glacial lake that is perfect for boating, swimming, kayaking, fishing, or simply slipping down to the water’s edge at sunset to sit next to the firepit. Established as a turnkey escape, the home offers flexibility for full-time living, a weekend retreat from the hustle of city life, or a well-positioned short-term rental in one of Sullivan County’s most sought-after lake communities. Offered fully furnished, all you need to bring is your swimsuit and favorite floaty. A short drive from Bethel Woods Performing Arts Center for summer concerts, Resorts World Casino, the Kartrite Indoor Water Park, the Delaware River for additional water recreation opportunities, area farmers markets, and walking distance lakeside dining, 1037 Lakeshore offers easy access year-round recreation and attractions. 90 minutes to the GWB and a short drive to public transportation to NYC.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
3/10
3/10
Monticello High SchoolGrades 9-127.1 mi

Construction

Condition

  • Year built: 1935

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Cabin
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Refrigerator,Stainless Steel Appliance(s)

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • First Floor Bedroom,Cathedral Ceiling(s),Chefs Kitchen,Entrance Foyer,Kitchen Island,Open Floorplan,Open Kitchen
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Attic: None

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,184
  • Total interior livable area: 1,184 sqft

Property

Details

  • Parcel number: 200003500010005000
  • Special condition: None

Features

  • Patio & porch: Covered,Porch,Screened
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • Waterfront features: Lake Privileges,Water Access

Lot

  • Lot size: 2,813 sqft

Parking

  • Total spaces: 4
  • Parking features: Off Street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Sullivan County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,270$27,240
Home Insurance *$331$3,972
Property Taxes $677$8,124
Electricity $246$2,954
Total$3,524$42,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,822/yr
40% on housing$105,720/yr
45% on housing$93,973/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -5.2%
-5.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$379This listing

vs Other Active Listings

Avg $/sqft

ZIP 12786$267
Sullivan County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 12786
Sullivan County$209

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-22Listed for sale$469,000
2025-10-13Listing removed$449,000
2025-08-09Price change$449,000
2025-05-07Listed for sale$469,000
2024-08-28Sold$250,400
2024-06-11Pending sale$249,900
2024-05-31Listed for sale$249,900
2015-10-02Listing removed$149,000
2015-05-08Listed for sale$149,000
2014-10-25Listing removed$149,900
2014-06-19Price change$149,900
2014-06-06Price change$165,000
2014-05-24Listed for sale$175,000

For Sale by Agent

AgentEdward Rabon
BrokerageCompass Greater NY, LLC

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